Risk managers for private and school-sponsored summer camps need to understand the risks they face and take appropriate measures to prepare for and protect against accidents that can threaten camp patrons, employees and the business.
A used car dealer purchased a pickup truck with a falsified title. The truck had been previously totaled. The customer is being prosecuted, but the car dealer wants to file a claim.
What wording should an agency use in the Description of Operations field? Should an agency include additional insured status and waiver of subrogation by default, or only when the insured asks?
Many drivers assume summer road risks come from major crashes or severe weather—but most claims actually arise from minor, inconvenient, and largely preventable incidents.
A restaurant owner rents a building and has a tenant’s policy for contents and liability. A furnace caught fire and the owner says the tenant is responsible for the damage.
An elderly couple built a one-story dwelling on their property for themselves and sold the property’s primary dwelling to their child.
Nine in 10 drivers are seeing more aggressive, reckless and distracted driving. The good news is independent agents are uniquely positioned to influence driving behavior with both clients and lawmakers.
A homeowner had a loss where the HVAC system’s condensate pump failed due to a mechanical breakdown. The HO3 policy with an equipment breakdown endorsement—form 16016—with a separate $500 deductible appears to indicate the condensate pump and the resulting water damage should be covered under the equipment breakdown endorsement. The insurance carrier says otherwise.
A large portion of the industry continues to operate on core platforms designed around nightly batch cycles. Those systems were built for stability and auditability, not instantaneous updates.
New agents should focus on automating a few high-impact areas that generate revenue, strengthen client relationships and promote retention.
